Insuring teen drivers can be expensive and complex in Tulsa Oklahoma & Missouri and Texas due to their lack of driving experience and higher accident risk.
Teen drivers tend to be more expensive because they are more likely to be involved in accidents, have a lack of driving history and are more likely to engage in risky driving behavior.
Here are some ways to Lower the Cost
- Add to Parents' Policy - Almost always cheaper than a standalone policy.
- Good Student Discount - Many insurers give discounts for a GPA of 3.0 or higher.
- Driver’s Education Course - Completing a certified driver training course often reduces rates.
- Choose the Right Car - Avoid high-performance or luxury cars.
- Usage-Based - there are programs that will monitor driving habits and reward safe driving.
- Raise Deductibles - Higher deductibles lower monthly premiums—but make sure you can afford the out-of-pocket costs if there's a claim.
Situations When to Get a Separate Teen Policy:
- If the teen lives on their own or owns their own car.
- If adding them would drastically raise the family premium (sometimes splitting policies can help).
If you have other questions about how your teen will affect your auto insurance policy in Tulsa Oklahoma & Missouri and Texas, just contact All American Insurance.